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Your guide to the Discover Refer-A-Friend program
Earn up to $500 annually by referring friends and family.
Who can I refer to the program?
You can refer friends and family who don’t have a Discover credit card and have not opted out of receiving Discover marketing materials.
What cards can I refer?
To participate in Discover Refer-a-Friend, you must have one of the following cards:
- Discover it® Miles Travel Credit Card
- Discover it® Cash Back
- Discover it® Student Cash Back
- Discover it® Chrome Gas & Restaurant Card
- Discover it® Chrome for Students
How much cash bonus can I earn?
The rewards you and your referred friend can earn with this program depends on the card you own.
|Your credit card||Referral reward per individual||Maximum referrals per year|
|Discover it® Miles Travel Credit Card||$100||5 ($500)|
|Discover it® Cash Back||$50||10 ($500)|
|Discover it® Student Cash Back||$50||10 ($500)|
|Discover it® Chrome Gas & Restaurant Card||$50||10 ($500)|
|Discover it® Chrome for Students||$50||10 ($500)|
How can I refer a friend?
The process is a simple three steps:
- Log in to your Discover online account.
- Generate a referral link.
- Share your referral link by email or through social media.
If your referral is approved for a Discover credit card, the statement credit reward is posted to your account within one or two billing cycles.
Compare Discover cards to refer
What to watch out for
Discover Refer-a-Friend comes with restrictions that can prevent you from earning a referral reward, including:
You can earn a referral reward only if the person you refer applies and is approved by December 31, 2019.
Credit card restrictions.
You can’t use the referral program if you own the Discover it® Secured or the Discover it® Business Card.
If your family or friends don’t have a Discover card yet, you can both earn a one-time reward after they apply and are approved for a card through your personal referral link.
If you’d rather earn rewards without the hassle of referrals, consider applying for a credit card with a generous signup bonus.
Frequently asked questions
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